I am planning to read 12 books around financial independence in 2022, 1 per month, and am going to host a book club to discuss the book of the month on the 4th Friday of each month. I am in California, USA, and planning to do this from 7-8:30pm PST. If you can make it, DM me your email address and I’ll add you to the google cal invite! The books I’ve chosen are in the next image. Hope everyone is ready to claim abundance in 2022! 💸
For my 2020 goals – I put something on there I couldn’t completely control. I wanted to hit a specific number on my credit score. If you have ever looked into this topic you know this is mainly in the hands of the 3 major credit score companies, and even they don’t agree. Then there are all the new spinoffs like FICO and Vantage Score, so why would I try to make this a goal?
As my financial IQ has increased, I see ways I could improve this area, even if I didn’t have total control of it. In 2015 I made a commitment to be debt free. In 2018 I discovered the FIRE movement. I started crushing my debts and learning about personal finance. The momentum was building. Why not make this goal? It’s not like anything bad would happen if I didn’t accomplish it. Worst case scenario, it would just plateau or grow more slowly than I’d prefer. No big deal. At least it wouldn’t go down because I was finally making smart financial decisions. No way that could happen with all of the positive forward momentum I had…right?
In December 2019 my credit score had just hit 700. I made a goal to hit 800 by December 2020. It seemed like it was ticking upward pretty quickly in spite of my former delinquent years with my successful course correction. I had all of my payments automated, no more late fees, I was becoming solvent. Let’s do this. I was pumped!
I checked it every month and it increased every month as expected. January 713. March 748. May 764. “Oh!”, I thought, “I’m going to hit this sooner than expected”. June 738. Wait, what? OK. I took out an interest free credit card to transfer the remainder of my car loan balance. Just a snag. We’ll be back in a minute. Yep, back to going up. August 766. October 769. By December it was back down to 762 because I paid of the car loan and the account fell off my history. I also paid off the zero interest credit card that I transferred the balance to. I don’t agree with the math behind these systems because the way it formulates negative points for good behavior like paying off a loan, but whatever. I didn’t hit my 800 but my score went up 62 points in 2020 and that was still fine by me, so I decided to try again for 2021.
Of course now I am starting with 62 more points than the year before with the same goal so I bump it up to 825 for 2021. Seems reasonable, right?
January 789. OH. OK. Nice start. So I get confident and forget to record the next few months. May 753. UGH. What a blow. I bought a new property, and did a cash out refi on my other mortgage. FINE. I decide to ignore it again for a few more months. I’m too busy crushing goals to babysit this thing, and I know it will come eventually. I’m going to break 800.
Once in a while I check in. It’s up. It’s down. Minimal changes are happening in this yoyo period, like 3 or 4 points each time. The annoying part? It’s on that line between good and great or great and excellent. So I have a glimmer of excellent and then it falls back again. You’re excellent! You’re NOT. Don’t look at it. Just put it away and hope for the best.
Finally I gain traction again in September, 763. October 789. “Wow!”, I think, “I may really hit 800 this time!” I look back on my notes. Right. I had 789 in January when I started so I’m just back at square one 10 months later. OK. Come on home stretch, give it to me this time. It’s just 11 little points. Please!
Then I look at my New Years Goals. Oh Yea. I upped the anti to 825. Well. Hmm. I have no idea if I’ll hit 800 or 825 but here’s to mega manifesting. Can you please send some good juju my way?? Girl just wants to get in that 8xx zone already!
There are 2 more updates before the end of the year. Do you think I’ll hit 800? 825? Somewhere in between or not even close? Would love to hear your bets!
ps Prior to taking control of my finances circa 2015, I had a very low credit score (in the 300s for a while), delinquent loans (went through a loan rehabilitation program), and delinquent credit cards (creditors called me on the reg). If you think this isn’t possible, I’m here to tell you it can be done. Keep reading. Keep learning. Keep stashing. You got this!
Want more ideas about New Years Resolutions? Check out: New Years Manifestations
Take A Moment.
Speak A Mantra.
Reset Your Mind.
Speak And Repeat.
Say It Now.
I Am Abundance.
I Am Infinite.
I Am Life.
I Am Light.
I Am Love.
My recent social media fast worked wonders for my mental, emotional, and spiritual health. It was both productive and restorative and I can’t wait to share my projects and insights with you through forthcoming posts.
Today I want to talk about opening to abundance. I was inspired on this topic while walking my dog through the Oakland neighborhoods this afternoon. There is so much incredible plant life everywhere. The juxtaposition of the urban jungle meshed so intricately with the gorgeous flora thriving within this harsh environment always gets me p-u-m-p-e-d. I picked a few flowers that were poppin’ off to bring a little spark of joy to my minimalist abode and the word jumped into my heart: ABUNDANCE.
Over the past couple of weeks I’ve been working on my practice of habit stacking. One of the areas I’ve improved this is to do a moving meditation while walking my dog, and making the walks longer so we are getting more exercise as well. So that’s meditation, exercise, and taking care of my pup all in one. Triple Habit Stack! I open a 30 minute guided meditation on youtube, pop in my earbuds, and set out. I don’t watch the content, but rather just listen to the audio while taking in the sights on our stroll. I’ve been practicing this walking meditation for 30 minutes a day, but on the weekends when I have more time I’ve been doing an hour.
This has been infinitely fulfilling because my sweet pup, Venus Vega Dlux, aka VVDlux, aka Queen V, loves it and she is absolutely bursting with delight anytime we are moving and exploring. Plus, adding a 30 minute meditation to my day has been life altering. I am a busy body and have always been bad at sitting still, so incorporating a moving meditation has been incredibly rewarding, and entirely more realistic, for me.
In order for abundance to find us, we must first make space for it. Part of this entails letting go of things that don’t serve us, especially in the mental space. Letting go of a scarcity mentality is first and foremost. Fear is the birthplace of a scarcity mindset. We are seeing this in full force through the lens of the pandemic. It is fear of lack of supplies that makes people horde. With an abundance mindset, you know there is always enough for all of us.
How do we move through fear in order to lean into an abundance mindset? You can not eliminate fear, you can only walk through it. This is the only way. On the other side of fear is liberation. There is no feeling like it, when you conquer your fears. Identify your fear, then imagine how you would feel once you’ve dismantled it. Embrace this vision every time you are confronted by fear. This is how you will eventually dominate it. It is like working a muscle; the more you use it, the easier it gets. I can’t tell you that it won’t be hard, but I can tell you that it is worth it, very very worth it. Once you start seeing with this perspective, abundance becomes obvious all around you. It is beautiful, endless, and exponential, just like you. ❤
My minimalism mission meant it was time to go separate ways with my sweet Kelty Redwing 40 hiking pack that I got when I was traveling in Vermont. I bumbled around the gorgeous state and then took a long beautiful train ride down to NYC after about a month or so of walking the long country roads (getting chased by viscious cows), watching the leaves change every shade of red, yellow, and amber, and discovering maple everything for the first time. I took my Redwing to many United States, and rocked it especially hard in my grand finale state, Alaska. I traveled with it to Europe for 6 weeks of early winter all over the continent from Ireland to Hungary to Portugal and beyond. It is abundantly roomy and the compression straps can suck it down to feel like a daypack. It fits in the overhead bin of a plane, or under the seat of a train. When I’ve been lucky enough to get both seats on a long bus ride through Western Europe it sits by my side and I’d fall over onto it like a perfectly sized mushy cuddle buddy. Sometimes it was even my pillow on the New York Subway after a long day of urban trekking.
I have discovered that I have a little bit of a bag obsession. As I pare down in my glorious minimalism, I have found that I simply have too many bags. Too many ways to carry and stow and trek. I know this because most things, like my wardrobe, have been a cinch for me to downsize. I hate clothes for the most part. I am too rough and tumble to be fashionable. I get into an overwhelming tizzy when I have to shop for anything fabric related. Forget sewing! Textiles have a mind of their own and I can not handle the way they change form and shape without warning. Give me power tools over a sewing machine any day. I am OCD clean at home but what happens after laundry is washed? I can’t seem to find it in me to simply hang these things on a hanger and be done with the task. I dump the basket on my bed so I am “forced” to put them away before I go to sleep ~ but NO ~ this does not happen. Putting the clothes away simply never happens with ease. Later, tired and ready to go to bed, I grab the heap and throw it on the lounge chair and go promptly to sleep. The next day I am shuffling through the mad pile to dress myself and the shit goes spilling all over the floor. After a few days the dirty is starting to get mixed up with the clean and, DAMMIT, again, Amy?! Anyway, it’s a nightmare. So I promptly got rid of all but a capsule wardrobe in about 4 whole minutes when I decided to do the 100 Thing Challenge and go hardcore minimalist. So now I have no clothes. I have BAGS. Holy Cats! I’m a bag lady! Ummm…
SO. I was having the hard talk with myself and realized it’s time for some tough love. I simply must downsize, even my precious bag collection, for my ever inspiring minimalist lifestyle. As a Tiny House Movement Wannabe, it just makes sense. Less is more! How many hiking bags do I really need? I already got rid of 3 lightweight generic backpacks. Along with this Kelty I still have a North Face pack and my trusty Lowe Alpine that I got in 1990 when I first started hiking and climbing in the Pocono Mountains. Home turf Pennsylvania say whaaaat! I also have a gym backpack, a beach tote, a waterprood gecko swim bag, a messenger bag…needless to say there are many more vessels in my collection.
I’ve had a few things sitting on Craigslist for the past month collecting dust and trolls and I didn’t really feel like dealing with that forum so I decided to try posting it to a local Facebook garage sale page I recently began following. I couldn’t remember what I paid for it, at least $150, possibly $180. I posted it for $50. Then I looked it up and it is selling for new on Amazon for $264, and it’s an older model. Whoa! Did I pay that much? I never did think too much about what I spend on quality outdoor gear. I barely shop as it is so when I do go for a high ticket item it’s usually worth it. Still, even though I bought it in 2012, 4 years ago, all of those trips I took it on tallied to only about 6 months of use. I take great care of my gear. Wiping dust off with rubbing alcohol, shaking out the debris regularly, keeping the excess straps bound neatly to prevent unnecessary wear and tear. I always hang my hiking bags in the closet between uses, all zipped up and compressed, so pretty. I copied the Product Description and Bag Features from Kelty and posted it with a couple of pics. To my surprise I had a nearly immediate hit. A woman liked, commented, and sent me a direct message shortly after I posted. Well, that was fairly easy.
We agreed to meet at a nearby coffee shop the following afternoon. I slept as hard as ever since I’m now doing bricks to train for my first triathlon. I woke up at 5am ready to conquer the to do list and saw the appointment on my calendar to sell my Redwing. I suddenly had a hint of seller’s remorse. Not as much of a hint, really – more of an onslaught. “This thing is in excellent shape,” I thought. “Have I been underutilizing this bag?” “Should I sell the Lowe Alpine instead? The Kelty is newer technology! What am I doing??” I continued to wonder if I was doing the right thing as I dragged myself out of my house to deliver it to its soon-to-be new owner. Maybe she won’t like it. Maybe she will find it awkward. Yet, lo and behold, when I met her, I couldn’t help myself: my REI member-salesgirl persona came tumbling out all over as I excitedly showed her all the cool features. How it was so big and so small at the same time. The trick velcro side pockets that opened up for tent poles or walking sticks. The secret camelback compartment that opened through the top while doubling over enough to still keep the rain out. Comfy, slim straps for the female torso and an external spine that distributes the weight absolutely perfectly. So much back padding! The perfect bedroll straps, the countless carabiner loops on the bottom, the compartments, the top loading ~ OHEMGEE~.
It was a hard break up, but at the end, my knapsack was starting a new love affair. The best part came when she told me she will be using it to hike the Continental Divide!!! All of a sudden, I was ABOUT IT. YES. So much YES. “Prior to the trip, planning, preparation, and training can take anywhere from twelve to eighteen months. The trip itself takes about six months on foot, when averaging 17 miles per day.”** I am grateful to provide something so useful to this woman’s incredible journey and the look on her face told me she was super pumped! Kelly got her Kelty and I am stoked to know this Redwing has many more adventures ahead. Bon Voyage!